CN101918964A - System and method for sending money to a recipient - Google Patents

System and method for sending money to a recipient Download PDF

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Publication number
CN101918964A
CN101918964A CN2007801022044A CN200780102204A CN101918964A CN 101918964 A CN101918964 A CN 101918964A CN 2007801022044 A CN2007801022044 A CN 2007801022044A CN 200780102204 A CN200780102204 A CN 200780102204A CN 101918964 A CN101918964 A CN 101918964A
Authority
CN
China
Prior art keywords
card
virtual
recipient
credit
transaction
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN2007801022044A
Other languages
Chinese (zh)
Inventor
C·P·基福伊尔
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Tranwall Holdings Ltd.
Original Assignee
XS INNOVATION HOLDINGS Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by XS INNOVATION HOLDINGS Ltd filed Critical XS INNOVATION HOLDINGS Ltd
Priority to PCT/IB2007/055018 priority Critical patent/WO2009074849A1/en
Publication of CN101918964A publication Critical patent/CN101918964A/en
Pending legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • G06Q20/1085Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342Cards defining paid or billed services or quantities
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/385Payment protocols; Details thereof using an alias or single-use codes
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

The invention provides a system and method for sending money, locally or internationally, which method includes the steps of, issuing a sender of money with a virtual (credit or debit) card number and a card expiry date, communicating to the intended recipient of the money the virtual card number and card expiry date, presenting the virtual card number and, optionally, the card expiry date, to any merchant with a point-of-sale terminal that is capable of processing credit and/or debit card transactions, processing a key-entered purchase or cash-back transaction, on the point-of sale terminal by keying in the virtual card number provided by the recipient into the point-of-sale, optionally together with the card expiry date and the amount, processing, also known as authorizing, settling and clearing, with a virtual card system, the key-entered transaction by credit and/or debit card transaction clearing means so that the funds are cleared as available to the merchant, and the merchant paying the cleared amount to the recipient, optionally less a processing fee charged to the recipient. The credit and/or debit card accepting terminal also accepts Visa, MasterCard, American express, Diners Club, Discover, JCB, Relation Card and/ or CUP credit or debit cards.

Description

Be used for sending the system and method for currency to the recipient
Technical field
The present invention relates to a kind of system and method that is used for sending currency to the recipient.
Background technology
The inventor recognizes current money transfer system, for example Western Union Money Transfer TMThese system complex and require payment (paying out) member's of recipient's identity checking, to guarantee that paying (paid out) gives correct people, and depend on and have the Systems Operator that there be point (physical point of presence) in physics, and at each proprietary hardware and software that has the some place to handle payment.The invention solves every other money transfer system will have physics and exist point and task equipment to come the currency of payment to give the requirement of recipient's this costliness and complexity.
The inventor also recognize the international network that is used to handle and clear credit card and debit card transactions with and effect.
Summary of the invention
The present invention relates to a kind of system, the money value (value) that is used to implement from sender to recipient is transferred accounts, and this system comprises:
The money transfer system of virtual credit card of-distribution and/or debit card;
-by the point of sales terminal of businessman operation, it comprises processor, storer and communication interface, can communicatedly point of sales terminal be coupled to communication network by this communication interface, wherein compatible mutually with the virtual card type of money transfer system distribution, some the time be called the transaction system of exchange system, can be conducted interviews via communication network by point of sale device, this transaction system is configured to handle the transaction between businessman and the client, wherein
Virtual credit card and/or debit card are bought by the sender, this virtual credit card and/or debit card are that single uses or can use once again, can repeat stand under load, described card can be in person, use equipment, buy by the Internet or phone, the sender transmits the virtual card card number, the term of validity, the number that is sent, one or more recipients among virtual card CVV and/or the CVC (card validation value and/or card identifying code) alternatively to the money value, described recipient accepts any businessman of point of sales terminal near having credit card and/or debit card, these point of sales terminals are accepted various types of credit cards and/or debit card and are used for payment from client, and handle transaction up to this virtual card number, this businessman pays the number that this recipient concludes the business in cash or to the form of fund account, deducts any expense relevant with transaction alternatively.
Described card shows as the physics voucher or shows as the form of the voucher of virtual voucher, can be by the sender with by printing or show desired card data, from businessman, ATM (Automatic Teller Machine), self-service terminal information kiosk, by sales counter, by the Internet, phone, mobile phone, can carry out the portable set of online or the distribution of offline e voucher or buy from point of sale device.
According to a second aspect of the invention, provide a kind of and be used in the local or international method that sends currency, the method comprising the steps of:
-issue virtual (credit or debit) the card card number and the card term of validity to the sender of currency;
-transmit the virtual card card number and the card term of validity to the expection recipient of currency;
-to the arbitrary businessman that has the point of sales terminal that can handle credit and/or debit card transactions, submit the virtual card card number to, block the term of validity alternatively in addition;
-virtual card card number and required number by the recipient is provided on point of sales terminal can also be typed in the point of sale with the card term of validity and CVV alternatively, handles the purchase or shopping money (cash-back) transaction of key entry;
-handle transaction that (being also referred to as mandate, clearing and clearance) keys in by credit card and/or debit card transactions clearance device with the virtual card system, make that fund is liquidated can obtain by businessman; And
The number that the payment of-businessman is checked and approved is given the recipient, deducts the disposal cost that the recipient is collected alternatively.
A kind of method, Visa Card, Master Card, American Express Card, Diners Club, discovery card, Japan internationality credit card, Relation card and/or China Unionpay's credit card and/or debit card are accepted in credit card wherein and/or debit card receiving terminal.
The following description has constituted disclosure of invention part of the whole, just as to above specifically reproducing under the title " summary of the invention ".
Embodiment
Now with reference to the process flow diagram shown in explanation and Fig. 1, the present invention is described by means of non-limitative example.
Processing procedure is described
1, the sender buys the virtual card of the money value of controlled in advance money value or sender's selection, pre-printed voucher of physics or electronic vouchers that it shows as on distribution channel equipment or is printed or shown by distribution channel equipment, the money value of currency of payment transfer document and service fee alternatively.
2, virtual card is derived from distribution channel physically, perhaps is derived from distribution channel equipment.
If 3 also do not activate in money transfer system, then virtual card is requested to be activated by a certain equipment by the distributor.
4, the virtual card system activates pre-printed virtual card or virtual card is provided, and activates it and makes it can be used in repayment.
5, virtual card system replies distributor equipment virtual card activates, and perhaps transmits virtual card card number, the term of validity, also has CVV (CVC) alternatively.
If 6 also do not confirm, if necessary, this equipment confirms that virtual card is activated.
7, if necessary, the details of virtual card are printed or shown to this equipment.
8, the sender accepts the details of virtual card and for it pays.
9, the sender gives the details of recipient's virtual card and the currency money value of virtual card representative, the type of uniting card of also issuing to some extent, for example Master Card or Visa Card, American Express Card, discovery card, Relation card or Japan internationality credit card alternatively.
10, the recipient is near having the point of sale device of accepting card co-branding (card association brand) or any businessman of ATM (automatic teller machine), and alternatively, this businessman and/or ATM (Automatic Teller Machine) can show the transfer accounts trade mark of scheme of currency.
11, this businessman the standard that provides by merchant bank with unaltered point of sale device on handle the transaction of " key entry "; Perhaps ATM (Automatic Teller Machine) is handled the transaction of the required amount of money of keying in.Alternatively, businessman or ATM (Automatic Teller Machine) supplier impose certain expense to payment process.
12, the merchant bank of businessman or ATM (Automatic Teller Machine) handles a purchase-transaction or a shopping money transaction that is typed in the suitable card associating exchange network.
13, exchange network is transmitted to the virtual card system of virtual card credit card issuer to check and approve with authorization requests.
14, the details of virtual card system verification virtual card and the amount of money of being asked, and check and approve this transaction.
15, exchange network response merchant bank, and prepare transaction currency money value, comprise the expense that expires and/or commission between the each side.
16, merchant bank responds the businessman point of sale, and is prepared as the settlement of transactions currency money value of businessman's bank account, comprises the expense of expiring or commission, and the cash of perhaps indicating the ATM (Automatic Teller Machine) payment to be asked is deducted overdue any expense.
17, businessman pays the cash of being asked, and deducts any expense alternatively; The ATM (Automatic Teller Machine) dispense cash, less alternatively expense.
Attention: the sender buys virtual card reconcile amounts value and pays, and legal tender or be not legal tender do not predesignate, and the processed conventionally typical currency of payment is likely suitable.
The point of sales terminal that the present invention can need not transform by using millions of existing arranging already, the hundreds of ATM (Automatic Teller Machine) that only needs very little transformation of arranging in businessman that is found everywhere through the world and the world wide just can be used to carry out transferring accounts of currency.
More specifically, provide in an embodiment of the present invention, use is spendable existing type of transaction on existing point of sales terminal and ATM (Automatic Teller Machine), they accept the card associating card of whole world approval, for example Visa Card, Master Card, American Express Card, Diners Club, discovery card, Japan internationality credit card, Relation Card or China Unionpay's card and their trade clearing system.
Therefore have the standard point of sales terminal or can apply for any businessman of one, all become the currency agency that transfers accounts now, and need not to buy the equipment of any uniqueness, also do not require point-of-sale hardware or software are carried out the transformation of any way.
Alternatively, ATM (Automatic Teller Machine) supplier need not buy any equipment, does not also require the hardware of ATM (Automatic Teller Machine) is transformed, but a spot of software change might be arranged, and just can become the currency agency that transfers accounts.
Claim has subsequently constituted disclosure of invention part of the whole, just as above concrete reproduction.

Claims (7)

1. one kind is used to implement the system that the money value from sender to recipient is transferred accounts, and this system comprises:
The money transfer system of virtual credit card of-distribution and/or debit card;
-by the point of sales terminal of businessman's operation or the ATM (Automatic Teller Machine) terminal of operating or representing bank to operate by bank, it comprises processor, storer and communication interface, can communicatedly terminal be coupled to communication network by this communication interface, the transaction system that is called exchange system in the time of wherein with compatible mutually some of the virtual card type of money transfer system distribution can be conducted interviews via communication network by point of sale device, this transaction system is configured to handle between businessman and the client, the perhaps transaction between ATM (Automatic Teller Machine) and the client, wherein:
Virtual credit card and/or debit card are bought by the sender, this virtual credit card and/or debit card are that single uses or can use once again, described card by slave unit, in person, buy by the Internet, mobile phone, phone, information kiosk, point of sale or ATM (Automatic Teller Machine); The sender transmits the virtual card card number, the term of validity, the number that is sent, and one or more recipients among virtual card CVV and/or the CVC alternatively to the money value, described recipient accepts any businessman of point of sales terminal near having credit card and/or debit card, this point of sales terminal is accepted various types of credit cards and/or debit card to be used for the payment from client, and handle transaction up to the number of this virtual card, this businessman is in cash or to the form of the fund account number to this recipient's payment transaction, deduct any expense relevant alternatively with transaction
Virtual credit card and/or debit card are bought by the sender, this virtual credit card and/or debit card are that single uses or can use once again, described card by slave unit, in person, buy by the Internet, mobile phone, phone, information kiosk, point of sale or ATM (Automatic Teller Machine); The sender transmits the virtual card card number, the term of validity, the number that is sent, and one or more recipients among virtual card CVV and/or the CVC alternatively to the money value, described recipient gives client's ATM (Automatic Teller Machine) near being used for cash payment, described ATM (Automatic Teller Machine) is transformed not expect that magnetic stripe or smart card operate, but the details and the desired number of prompting recipient virtual card, and handle transaction up to the number of this virtual card, ATM (Automatic Teller Machine) is deducted any expense relevant with transaction alternatively in cash or to the form of the fund account number to this recipient's payment transaction.
2. according to the system of claim 1, wherein said card with the form of voucher that shows as the physics voucher or show as virtual voucher by the sender by printing or show needed card data, from businessman, ATM (Automatic Teller Machine), self-service terminal information kiosk, by sales counter, by the Internet, phone, cell phone, can carry out the portable set of online or the distribution of offline e voucher or buy from point of sale device.
3. one kind is used in the local or international method that sends currency, and the method comprising the steps of:
-issue virtual credit or the debit card card number and the card term of validity to the sender of currency;
-transmit the virtual card card number and the card term of validity to the expection recipient of currency;
-submit virtual card card number and desired number to the arbitrary businessman that has the point of sales terminal that can handle credit and/or debit card transactions, block the term of validity and card validation value CVV or CVC alternatively in addition;
-virtual card card number and desired number by the recipient is provided on point of sales terminal with the card term of validity and number, is typed in the point of sale alternatively, handles the purchase or a shopping money transaction of key entry;
-handle the transaction that mandate, clearing and clearance are keyed in by credit card and/or debit card transactions clearance device with the virtual card system, make that fund is liquidated can obtain by businessman; And
The number that the payment of-businessman is cleared is given the recipient, deducts the disposal cost that the recipient is collected alternatively.
4. one kind is used in the local or international method that sends currency, and the method comprising the steps of:
-issue virtual credit or the debit card card number and the card term of validity to the sender of currency;
-transmit the virtual card card number and the card term of validity to the expection recipient of currency;
-input virtual card card number in the ATM (Automatic Teller Machine) that can handle credit and/or debit card transactions blocks the term of validity alternatively in addition;
-virtual card card number by the recipient is provided on the ATM (Automatic Teller Machine) terminal with the card term of validity and number, is typed in the ATM (Automatic Teller Machine) alternatively, handles the purchase or a shopping money transaction of keying in;
-handling the transaction that mandate, clearing and clearance are keyed in by credit card and/or debit card transactions clearance device with the virtual card system, can obtain by the ATM (Automatic Teller Machine) acquirer thereby fund is liquidated; And
The number that the payment of-ATM (Automatic Teller Machine) is cleared is to the recipient or alternatively to fund account; Deduct the disposal cost that the recipient is collected alternatively.
5. according to the method for claim 3, wherein standard credit card or debit card are accepted in credit card and/or debit card receiving terminal.
6. according to the method for claim 3, wherein businessman is to recipient's bank account deposit.
7. according to the method for claim 4, wherein ATM (Automatic Teller Machine) supplier or bank are to recipient's bank account deposit.
CN2007801022044A 2007-12-11 2007-12-11 System and method for sending money to a recipient Pending CN101918964A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/IB2007/055018 WO2009074849A1 (en) 2007-12-11 2007-12-11 System and method for sending money to a recipient

Publications (1)

Publication Number Publication Date
CN101918964A true CN101918964A (en) 2010-12-15

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Family Applications (1)

Application Number Title Priority Date Filing Date
CN2007801022044A Pending CN101918964A (en) 2007-12-11 2007-12-11 System and method for sending money to a recipient

Country Status (5)

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US (1) US20100332334A1 (en)
EP (1) EP2232420A1 (en)
CN (1) CN101918964A (en)
WO (1) WO2009074849A1 (en)
ZA (1) ZA201004812B (en)

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CA2838479A1 (en) * 2011-06-23 2012-12-27 Merlyn SOLLANO System and method for real time adjudication and payment of health care claims
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Publication number Publication date
ZA201004812B (en) 2011-09-28
EP2232420A1 (en) 2010-09-29
WO2009074849A1 (en) 2009-06-18
US20100332334A1 (en) 2010-12-30

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